Highlight benefits

Build ''Big Legacy'

From ''Small Amount''(1)

Effectively Pass On Wealth

Clearly indicate beneficiaries and allocation

Good Health Gets Discount(2)

Receive premium discount if an insured has better health than standard such as not smoking, having low cholesterol, etc.(1)(3)

Enquiry

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“Legacy Planning” through Muang Thai Premier Legacy whole life insurance from Muang Thai Life Assurance in which  you can be confident that your wealth will be properly accumulated and passed on to those whom you love with no more worry about inheritance tax. Let’s start today for better family’s future.

Insurance conditions

Insurable Age

30 days - 70 years old

Coverage Period

Attaining the age of 99

Premium Payment Period

5 or 10 years

Mode of Premium Payment

Annual, semiannual, quarterly and monthly

Minimum Sum Insured

10 million Baht

Rider Attachment

Only specific riders

Payment / Benefits

Remarks

(1) High life coverage compared to paid premium
(2) In case an insured has health checkup and better health than the standard according to the Company’s rules, premium will be charged at preferred rate.
(3) If the health checkup result shows better health than the standard, premium will be charged at preferred rate.

Complete insurance contract

In case that the insured knowingly makes false statement or knowingly omits to disclose any fact to the Company for acknowledgement while applying for the insurance, where if the Company had known of such fact, the Company may be induced to charge higher premium or refuse to enter into the insurance contract, then this insurance contract will be voidable according to Section 865 of the Civil and Commercial Code which the Company has the right to void the insurance contract and not to make any policy payment. The Company's liability will be limited to returning all premium paid to the Company.

Exclusion

1. In case the insured voluntarily commits suicide within one year from the effective date or the latest date of renewal or reinstatement of the insurance policy or the date that the Company approves to increase the sum insured amount which shall apply to the increasing sum insured amount only.

2. In case the insured is murdered intentionally by the beneficiary.

3. In case the insured declares an incorrect age and the Company can prove that at the time of insurance contract formation, the actual age is outside the premium rate limit according to the normal business practice of the Company.

Warning

Buyers should understand the details, coverage and conditions before deciding to make insurance every time.

FAQ

Q: What is the insurable age for Muang Thai Premier Legacy 99/5 and 99/10?
A: The insurable age is 30 - 70 years old.

Q: What is the minimum sum insured for Muang Thai Premier Legacy 99/5 and 99/10? Muang Thai Premier Legacy
A: 10 MB.

Q: Is health checkup required?
A: The applicants are required to declare their actual health information to the Company. It is subject to the Company’s rules whether health checkup is required. ***In this regard, in case the age of the insured is between 16-70 years old, with better health checkup results than the standard according to the Company’s rules, the premium will be in the preferred rate.

Q: Can other riders be attached to this?
A: This can be attached to only specific riders. However, it is in accordance with the underwriting criteria of each rider.

Q: Upon the successful application of this rider, will the premium increase in accordance with the age of the insured?
A: The premium in each policy year remains unchanged (not varying in accordance with age); customers need to make renewal payment before or within 31 days since the premium payment due date.

Q: Is the premium of this rider entitled to tax deduction?
A: Premium of this insurance plan is entitled to personal income tax deduction according to the Notification of the Director-General of the Revenue Department on Income Tax No. 172.

Q: What does the coverage include?
A: 1. If the insured is alive until the maturity date, the Company shall pay the equivalent amount of the initial sum insured or 101% of the paid premium (whichever is higher).
2. If the insured passes away within the coverage period, the Company shall pay the beneficiary the amount of the initial sum insured or the surrender value at that time or 101% of the paid premium (whichever is higher).

Q: What are the exclusions?
A: 1. In case the insured voluntarily commits suicide within one year (1 year) from the effective date or the latest date of renewal or reinstatement of the insurance policy or the date that the Company approves to increase the sum insured amount, which shall apply to the increasing sum insured amount only.
2. in case the insured is murdered intentionally by the beneficiary.
3. In case the insured declares an incorrect age and the Company can prove that at the time of insurance contract formation, the actual age is outside the premium rate limit according to the normal business practice of the Company.

 

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